How do I get proof that my online loan is fully paid?
Last updated: 2026-07-12 · Educational content; not legal advice.
Short answer
You have a right to accurate account information and records under RA 11765, so once you've settled, ask the lender in writing for a Certificate of Full Payment (or a Statement of Account showing a zero balance) and keep every payment receipt or reference number. In the same request, tell them to update any credit-bureau record to reflect the payment, and — because they no longer need your data to collect — to stop processing and, where appropriate, erase personal information under RA 10173. If the lender refuses to confirm a paid-off loan or keeps demanding money on a settled account, that is a disputable practice you can escalate to the SEC. Save the certificate; it is your protection if a resold 'balance' resurfaces later.
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Frequently asked
What exactly should I ask for after paying off the loan?
Request, in writing, a Certificate of Full Payment or a Statement of Account showing a zero balance, and keep every receipt and reference number. RA 11765 entitles you to accurate records of your account.
Can I make them update my credit record and delete my data?
Yes — ask them to correct any credit-bureau entry to reflect full payment, and since they no longer need your data to collect, to stop processing and erase personal information under RA 10173.
They keep billing me on a loan I already paid — what now?
Send your proof of full payment and demand they stop. Continued collection on a settled account is a disputable practice; escalate to the SEC and, for data misuse, the NPC — and keep your certificate in case a resold 'balance' reappears.
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